{"id":23517,"date":"2022-02-17T15:17:39","date_gmt":"2022-02-17T07:17:39","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=23517"},"modified":"2022-02-17T15:18:07","modified_gmt":"2022-02-17T07:18:07","slug":"%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97","title":{"rendered":"\u60a8\u4e86\u89e3\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\u5417\uff1f"},"content":{"rendered":"\n<p>\u5f88\u591a\u4eba\u4ee5\u4e3a\u53ea\u8981\u4e70\u4e86\u6c7d\u8f66\u4fdd\u9669\uff0c\u4e00\u65e6\u53d1\u751f\u610f\u5916\u5c31\u80fd\u83b7\u5f97\u4fdd\u9669\u516c\u53f8\u7684\u5168\u989d\u8d54\u507f\uff0c\u4f46\u4e8b\u5b9e\u5e76\u975e\u5982\u6b64\u3002<\/p>\n\n\n\n<p>\u5f53\u60a8\u7684\u8f66\u5b50\u6d89\u53ca\u4ea4\u901a\u610f\u5916\u9700\u8981<a 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href=\"https:\/\/bjak.my\/blog\/%e5%bf%85%e4%bd%b3%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%b1%87%e6%80%bb\/\">\u4fdd\u9669\u516c\u53f8<\/a>\u4f1a\u4f9d\u636e\u8f66\u9f84\uff0c\u5c06\u6c7d\u8f66\u6062\u590d\u6210\u8f66\u7978\u524d\u7684\u6a21\u6837\u3002\u82e5\u8f66\u9f84\u662f\u57285\u5e74\u4ee5\u5185\uff0c\u4f1a\u88ab\u5f52\u7c7b\u4e3a\u8f66\u51b5\u826f\u597d\u7684\u65b0\u8f66\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u66f4\u6362\u539f\u88c5\u65b0\u96f6\u4ef6\uff1b\u81f3\u4e8e\u8f66\u9f84\u8d85\u8fc75\u5e74\u4ee5\u4e0a\u7684\u8f66\u5b50\uff0c\u5219\u88ab\u89c6\u4e3a\u8001\u5316\u7684\u6c7d\u8f66\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u5c06\u8f66\u5b50\u4fee\u590d\u5230\u53d1\u751f\u8f66\u7978\u524d\u7684\u72b6\u6001\u3002<\/p>\n\n\n\n<p>\u5728\u8d54\u507f\u8fc7\u7a0b\u4e2d\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u4e3a\u53d7\u4fdd\u8f66\u5b50\u66ff\u6362\u4e8c\u624b\u3001\u590d\u65b0\uff08Recond\uff09\u6216\u5c71\u5be8\u96f6\u4ef6\u3002\u82e5\u627e\u4e0d\u5230\u8fd9\u4e9b\u96f6\u4ef6\uff0c\u800c\u5fc5\u987b\u4f7f\u7528\u539f\u88c5\u96f6\u4ef6\uff0c\u4fdd\u9669\u516c\u53f8\u5c31\u4f1a\u542f\u52a8\u8f66\u9669\u4fdd\u5355\u91cc\u7684Betterment\u6761\u6b3e\uff0c\u8f66\u4e3b\u5c31\u9700\u989d\u5916\u652f\u4ed8\u4fee\u8f66\u8d39\u7528\u7ed9\u4fee\u8f66\u5382\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d79707a1806\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d79707a1806\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E4%BB%80%E4%B9%88%E6%98%AF%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\uff1f\">\u4ec0\u4e48\u662f\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\uff1f<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E8%B0%81%E4%BC%9A%E8%A2%AB%E5%BE%81%E6%94%B6%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%9F\" title=\"\u8c01\u4f1a\u88ab\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f\">\u8c01\u4f1a\u88ab\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E4%B8%BA%E4%BB%80%E4%B9%88%E8%A6%81%E6%94%B6%E5%8F%96%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%9F\" title=\"\u4e3a\u4ec0\u4e48\u8981\u6536\u53d6\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f\">\u4e3a\u4ec0\u4e48\u8981\u6536\u53d6\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E7%8E%87%E6%98%AF%E5%A4%9A%E5%B0%91%EF%BC%9F\" title=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\u7387\u662f\u591a\u5c11\uff1f\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\u7387\u662f\u591a\u5c11\uff1f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%EF%BC%88Waiver_of_Betterment%EF%BC%89\" title=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E6%B7%BB%E5%8A%A0%E2%80%9C%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%E2%80%9D%E7%9A%84%E5%A5%BD%E5%A4%84\" title=\"\u6dfb\u52a0\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\u201d\u7684\u597d\u5904\">\u6dfb\u52a0\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\u201d\u7684\u597d\u5904<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8betterment%e5%90%97\/#%E8%B0%81%E5%8F%AF%E4%BB%A5%E8%B4%AD%E4%B9%B0%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%EF%BC%9F\" 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id=\"%E4%BB%80%E4%B9%88%E6%98%AF%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%88Betterment%EF%BC%89%EF%BC%9F\"><\/span>\u4ec0\u4e48\u662f\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u6307\u7684\u662f\u4fdd\u5355\u6301\u6709\u4eba\u5728<a href=\"https:\/\/bjak.my\/blog\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e6%8e%88%e6%9d%83%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%8e%82\/\">\u6c7d\u8f66\u7ef4\u4fee\u5382<\/a>\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u5fc5\u987b\u627f\u62c5\u7684\u65b0\u96f6\u4ef6\u7684\u989d\u5916\u4fee\u8f66\u8d39\u7528\u3002<\/p>\n\n\n\n<p><strong>\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08Betterment\uff09\u901a\u5e38\u53ea\u5728\u8f66\u9f84\u8d85\u8fc75\u5e74\u6216\u4ee5\u4e0a\u7684\u65e7\u8f66\u7684\u4fdd\u5355\u4e2d\u5b58\u5728<\/strong>\u3002\u56e0\u4e3a\u8f66\u9f84\u5df2\u8d85\u8fc75\u5e74\uff0c\u8f66\u4e0a\u7684\u5927\u90e8\u5206\u96f6\u90e8\u4ef6\u5df2\u5f00\u59cb\u8001\u5316\uff0c\u6240\u4ee5\u8fd9\u4e9b\u65e7\u8f66\u4e00\u65e6\u53d1\u751f\u8f66\u7978\u9700\u8981\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u507f\uff0c\u5f80\u5f80\u90fd\u4e0d\u4f1a\u83b7\u5f97\u65b0\u7684\u539f\u88c5\u96f6\u4ef6\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u610f\u5473\u7740\u53d7\u4fdd\u4eba\u5fc5\u987b\u627f\u62c5\u5c06\u4e8c\u624b\u96f6\u4ef6\u66f4\u6362\u4e3a\u65b0\u96f6\u4ef6\u7684\u5dee\u4ef7\u3002<\/p>\n\n\n\n<p>\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<p>\u963f\u660e\u7684\u6c7d\u8f66\u53d1\u751f\u4e86\u4ea4\u901a\u610f\u5916\uff0c\u5bfc\u81f4\u4fdd\u9669\u6760\u649e\u574f\u4e86\uff0c\u9700\u8981\u66f4\u6362\u65b0\u7684\u4fdd\u9669\u6760\u3002\u5f53\u4ed6\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u65f6\uff0c\u65b0\u4fdd\u9669\u6760\u7684\u4ef7\u683c\u4e0e\u4e8c\u624b\u4fdd\u9669\u6760\u7684\u4ef7\u683c\u4e0d\u540c\uff0c\u56e0\u6b64\u4ed6\u9700\u8981\u989d\u5916\u4ed8\u8d39\uff0c\u4ed6\u6240\u4ed8\u7684\u8fd9\u7b14\u94b1\u5c31\u662f\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u201d\uff08Betterment\uff09\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5373\u4f7f\u6c7d\u8f66\u96f6\u4ef6\u7684\u635f\u574f\u4e0d\u662f\u7531\u60a8\u6240\u9020\u6210\uff08\u8868\u793a\u60a8\u662f\u88ab\u649e\u7684\u4e00\u65b9\uff09\uff0c\u60a8\u4e5f\u65e0\u6cd5\u5411\u7b2c\u4e09\u65b9\u7d22\u8d54\u989d\u5916\u4fee\u8f66\u8d39\u7528\u3002<\/p>\n\n\n\n<h3 id=\"\u8c01\u4f1a\u88ab\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\"><span class=\"ez-toc-section\" id=\"%E8%B0%81%E4%BC%9A%E8%A2%AB%E5%BE%81%E6%94%B6%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%9F\"><\/span>\u8c01\u4f1a\u88ab\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u867d\u7136<a href=\"https:\/\/bjak.my\/blog\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e9%9c%80%e8%a6%81%e7%bb%bc%e5%90%88%e5%9e%8b%e4%bf%9d%e9%99%a9%ef%bc%9f\/#%E6%84%8F%E5%A4%96%E7%B4%A2%E8%B5%94\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u63d0\u4f9b\u4fdd\u969c\u4e88\u56e0\u610f\u5916\u4e8b\u6545\u5f15\u8d77\u7684\u6c7d\u8f66\u7ef4\u4fee\u8d39\u7528\uff0c\u4f46\u5bf9\u4e8e\u8f66\u9f84 5 \u5e74\u53ca\u4ee5\u4e0a\u8f66\u8f86\u7684\u8f66\u4e3b\uff0c\u5982\u679c\u5728\u7ef4\u4fee\u65f6\u9700\u8981\u4f7f\u7528\u65b0\u7684\u96f6\u4ef6\uff0c\u90fd\u4f1a\u88ab\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u7b80\u800c\u8a00\u4e4b\uff0c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u53ea\u9002\u7528\u4e8e 5 \u5e74\u53ca\u4ee5\u4e0a\u7684\u6c7d\u8f66\u3002<\/p>\n\n\n\n<h3 id=\"\u4e3a\u4ec0\u4e48\u8981\u6536\u53d6\u989d\u5916\u4fee\u8f66\u8d39\u7528\"><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E4%BB%80%E4%B9%88%E8%A6%81%E6%94%B6%E5%8F%96%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%EF%BC%9F\"><\/span>\u4e3a\u4ec0\u4e48\u8981\u6536\u53d6\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u9664\u4e86\u4fdd\u9669\u516c\u53f8\u7684\u98ce\u9669\u7ba1\u7406\u5916\uff0c\u5411\u8f66\u4e3b\u5f81\u6536\u989d\u5916\u4fee\u8f66\u8d39\u7528\u4e5f\u6709\u52a9\u4e8e\u9632\u6b62\u6709\u5fc3\u4eba\u6545\u610f\u635f\u574f\u6c7d\u8f66\u96f6\u4ef6\u4ee5\u9a97\u53d6\u4fdd\u9669\u7406\u8d54\u7684\u6b3a\u8bc8\u884c\u4e3a\u3002<\/p>\n\n\n\n<h3 id=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\u7387\u662f\u591a\u5c11\"><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E7%8E%87%E6%98%AF%E5%A4%9A%E5%B0%91%EF%BC%9F\"><\/span>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u7387\u662f\u591a\u5c11\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5bf9\u4e8e5\u5e74\u53ca\u4ee5\u4e0a\u8f66\u9669\u4fdd\u5355\u6301\u6709\u4eba\uff0c\u5982\u679c\u5728\u6c7d\u8f66\u7ef4\u4fee\u65f6\u9700\u8981\u4f7f\u7528\u65b0\u7684\u96f6\u4ef6\uff0c\u9700\u6309\u4ee5\u4e0b\u6bd4\u4f8b\u6536\u53d6\u989d\u5916\u8d39\u7528\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/02\/photo1645080203-1024x1024.jpeg?resize=1024%2C1024&#038;ssl=1\" alt=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\u7387\" class=\"wp-image-23788\" data-recalc-dims=\"1\"\/><figcaption>\u8d44\u6599\u6765\u6e90:&nbsp;<a href=\"https:\/\/piam.org.my\/blog\/2019\/09\/20\/piam-explains-the-betterment-factor\/\">PIAM<\/a><\/figcaption><\/figure>\n\n\n\n<p>\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u66f4\u6362\u65b0\u96f6\u4ef6\u7684\u8d39\u7528\u662fRM3000\uff0c\u800c\u60a8\u7684\u6c7d\u8f66\u5df2\u7ecf\u4f7f\u7528\u4e8610\u5e74\uff0c\u90a3\u4e48\u60a8\u5fc5\u987b\u81ea\u4ed8RM1200.00 (40%)\uff0c\u800c\u53e6\u5916\u7684 RM1800.00 (60%) \u5219\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002\u8fd9\u7b14\u989d\u5916\u8d39\u7528\u4ec5\u7528\u4e8e\u6c7d\u8f66\u96f6\u4ef6\uff0c\u4e0d\u5305\u62ec\u7ef4\u4fee\u5de5\u8d44\u3002<\/p>\n\n\n\n<h2 id=\"\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c-waiver-of-betterment\"><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%EF%BC%88Waiver_of_Betterment%EF%BC%89\"><\/span>\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u5728\u4fdd\u5355\u4e2d\u6dfb\u52a0\u201c<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e4%ba%86%e8%a7%a3%e9%a2%9d%e5%a4%96%e4%bf%ae%e8%bd%a6%e8%b4%b9%e7%94%a8%e8%b1%81%e5%85%8d%e4%bf%9d%e9%9a%9c%e5%90%97\/\">\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c<\/a>\uff08waiver of betterment\uff09\u201d\u6765\u514d\u9664\u989d\u5916\u4fee\u8f66\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u901a\u8fc7\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09\uff0c\u60a8\u5c06\u514d\u4e8e\u5411\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u65b0\u96f6\u4ef6\u7684\u8d39\u7528\uff0c\u8fd9\u5c06\u8ba9\u60a8\u8282\u7701\u4e0d\u5c11\u91d1\u94b1\u3002<\/p>\n\n\n\n<p>\u53ef\u662f\uff0c\u6b64\u9644\u52a0\u4fdd\u9669\u4ec5\u9002\u7528\u4e8e\u8f66\u9f84 5 \u81f3 10 \u5e74\u7684\u8f66\u8f86\uff08\u56e0\u4fdd\u9669\u516c\u53f8\u800c\u5f02\uff09\u3002<\/p>\n\n\n\n<h3 id=\"\u6dfb\u52a0-\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c-\u7684\u597d\u5904\"><span class=\"ez-toc-section\" id=\"%E6%B7%BB%E5%8A%A0%E2%80%9C%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%E2%80%9D%E7%9A%84%E5%A5%BD%E5%A4%84\"><\/span>\u6dfb\u52a0\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\u201d\u7684\u597d\u5904<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u901a\u8fc7\u4e0b\u9762\u7684\u4f8b\u5b50\u4e86\u89e3\u66f4\u591a\uff1a<\/p>\n\n\n\n<p>\u4e00\u540d\u8f66\u4e3b\u9a7e\u9a76\u4ed6\u8f66\u9f847\u5e74\u7684\u8f66\u5b50\u53d1\u751f\u4e86\u610f\u5916\uff0c\u9700\u8981\u66ff\u6362\u7684\u65b0\u96f6\u4ef6\u4ef7\u683cRM3000\uff0c\u4ed6\u539f\u672c\u9700\u8981\u652f\u4ed8RM750\uff0825%\uff09\uff0c\u5269\u4f59\u7684RM2250\uff0875%\uff09\u7531\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u3002\u7531\u4e8e\u4ed6\u8d2d\u4e70\u4e86\u201c\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\u201d\uff0c\u56e0\u6b64\u4ed6\u65e0\u9700\u652f\u4ed8RM750\u7684\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff0c\u800c\u662f\u7531\u4fdd\u9669\u516c\u53f8\u8d1f\u8d23\u652f\u4ed8\u5168\u989d\u3002<\/p>\n\n\n\n<p>\u6362\u53e5\u8bdd\u8bf4\uff0c\u901a\u8fc7\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff0c\u60a8\u53ef\u4ee5\u83b7\u5f97\u5168\u65b0\u7684\u6c7d\u8f66\u96f6\u4ef6\uff0c\u800c\u4e0d\u662f\u4e8c\u624b\u7684\uff0c\u4e14\u65e0\u9700\u989d\u5916\u4ed8\u8d39\u3002<\/p>\n\n\n\n<h3 id=\"\u8c01\u53ef\u4ee5\u8d2d\u4e70\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\"><span class=\"ez-toc-section\" id=\"%E8%B0%81%E5%8F%AF%E4%BB%A5%E8%B4%AD%E4%B9%B0%E9%A2%9D%E5%A4%96%E4%BF%AE%E8%BD%A6%E8%B4%B9%E7%94%A8%E8%B1%81%E5%85%8D%E4%BF%9D%E9%9A%9C%EF%BC%9F\"><\/span>\u8c01\u53ef\u4ee5\u8d2d\u4e70\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211112_BjakBlog_Chloe_103-106-01-04.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u53ef\u6dfb\u52a0\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09\u7684\u8f66\u8f86\"\/><\/figure>\n\n\n\n<p>\u6709\u8d44\u683c\u6dfb\u52a0\u989d\u5916\u4fee\u8f66\u8d39\u7528\u8c41\u514d\u4fdd\u969c\uff08Waiver of Betterment\uff09 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%87%8c%e7%9a%84%e9%99%84%e5%8a%a0%e4%bf%9d%e9%99%a9\/\">\u9644\u52a0\u4fdd\u9669<\/a>\u53ef\u4ee5\u8ba9\u60a8\u5728\u65e0\u9700\u652f\u4ed8\u4efb\u4f55\u989d\u5916\u8d39\u7528\u7684\u60c5\u51b5\u4e0b\u83b7\u5f97\u65b0\u96f6\u4ef6\uff0c\u5e76\u4fdd\u8bc1\u60a8\u7684\u6c7d\u8f66\u5904\u4e8e\u66f4\u597d\u7684\u72b6\u6001\u3002<\/p>\n\n\n\n<p>\u66f4\u65b0\u8f66\u9669\u524d\uff0c\u52a1\u5fc5\u5148\u6df1\u5165\u4e86\u89e3<a href=\"https:\/\/bjak.my\/blog\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%843%e7%a7%8d%e7%b1%bb%e5%9e%8b\/\">\u4fdd\u9669\u7684\u7c7b\u578b<\/a>\u53ca\u4fdd\u5355\u4e0a\u7684<a href=\"https:\/\/bjak.my\/blog\/%e9%82%a3%e4%ba%9b%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e8%bd%a6%e9%99%a9%e6%9d%a1%e6%ac%be\/\">\u6761\u6b3e<\/a>\u3002\u5343\u4e07\u522b\u4e3a\u4e86\u7701\u5c0f\u94b1\u800c\u635f\u5931\u66f4\u591a\uff0c<a 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